Rates and Fees

Deposit Rates

Rates Effective - 5/21/13

* To be eligible for Senior Sense share certificates, member must be at least 60 years of age and have Direct Deposit of Social Security or Pension into a Central One Share Draft account. Senior Sense certificate minimum balance is $10,000.

**APY =Annual Percentage Yield. The APY on all Share Certificates assumes that dividends remain in the account until maturity. Share certificates have a $1,000.00 minimum, excludes Senior Sense share certificates. All share certificate rates are fixed for the length of the term. Share certificates up to and including a 1 year term are subject to an early withdrawal penalty of 3 months' dividend. Share certificates over a one year term are subject to an early withdrawal penalty of six months' dividend.

• Share dividend rates are accurate as of the last dividend declaration date.
• All accounts, except share certificate accounts, are considered variable rate accounts and rates are subject to change at any time without notice.
• Fees may reduce earnings.